From a business perspective, it was a difficult but good year, both in retail and corporate banking. For the full year 2023, the Group's net profit, despite the still high costs of FX mortgage loans, amounted to PLN 576 million and ROE was 9%, taking into account the average reported equity, which was a very positive achievement after a two-year period of negative results. Capital ratios have improved significantly again and it is worth noting that Bank Millennium and Bank Millennium Group currently have a significant capital surplus. In 2023, we were still open to amicable solutions to the issue of Swiss franc loans – the number of settlements concluded with borrowers so far amounted to 21.4 thousand (in 2023: 3.7 thousand), which corresponds to 35% of the number of loan agreements active at the time of full launch of the settlement process. In 2023, we achieved three important milestones: first, the number of active retail clients exceeded 3 million and the share of digitally active customers accounts for 90%; secondly, our new corporate application has maintained a high pace of development and has been expanded to include a trading platform where users can trade on the foreign exchange market on their own, as well as push notifications about transfer authorizations; Thirdly, we grew in micro-business. We have achieved all this by constantly taking care of the quality of service and positive customer experience, for which we have been awarded important awards. - said Joao Bras Jorge, Chairman of Bank Millennium.

Summing up the past year, Joao Bras Jorge added: 2023 was also a successful year in the implementation of our 2022-2024 strategy "Inspired by People". We have achieved some of our goals earlier, e.g. in 2023 we exceeded 3 million active customers, which we planned to achieve by the end of 2024; We have also fulfilled another strategic task – 90% of our clients use digital channels. We are now at the final stage of the strategy, focusing on achieving the remaining goals and at the same time starting to work with our teams on defining the strategy for 2025-2027, which will be presented in the second half of this year.

The Ordinary General Meeting of Shareholders considered and adopted the following resolutions m.in:

• approving for the financial year 2023: the financial statements of Bank Millennium S.A. and the joint report of the Management Board on the activities of Bank Millennium S.A. and the Bank Millennium S.A. Group and the joint ESG report of Bank Millennium S.A. and the Bank Millennium S.A. Group.
• approving the financial statements of the Bank Millennium S.A. Group for the financial year 2023
• approving the annual report of the Supervisory Board of Bank Millennium S.A. for the financial year 2023 and assessing the remuneration policy in Bank Millennium S.A.
• on the allocation of profit for 2023 in full to reserve capital.

The General Meeting granted approval to all members of the Management Board of Bank Millennium S.A. and members of the Supervisory Board of Bank Millennium S.A. in respect of the performance of their duties in the financial year 2023, expressed a positive opinion on the Supervisory Board's report on the remuneration of members of the Management Board and the Supervisory Board of the Bank and approved the Policy for the selection and assessment of suitability of members of the Supervisory Board of Bank Millennium S.A.

Amendments were also made to the Articles of Association of Bank Millennium S.A.

The full text of the resolutions of the Ordinary General Meeting of Shareholders of Bank Millennium is available on the Bank's website